Comment: New mortgage models needed

Ireland needs to look at progressive ways to restart its mortgage market, writes Angel Mas.

3rd August, 2013
A universal mortgage insurance scheme could be beneficial to the Irish market. Photo: Getty

This is clearly a time to restart the credit market in Ireland for first-time buyers. However, the main limiting factor will be the bank de-capitalisation that limits their ability to lend and, as capital follows risk, finding appropriate models of risk to transfer that result in capital relief should be a priority. A new Irish mortgage model is needed to support the long-term sustainability of the market for first-time buyers and the efficient use of...

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